Security Self Assessment Questionnaire (CAIQ - Lite)

Belvo uses the Consensus Assessments Initiative Questionnaire Lite (CAIQ-Lite) from the Cloud Security Alliance as a mechanism to share its security posture in an easy and understandable language, providing transparency over our security controls.

For a broader introduction to security at belvo, please visit our Security Page.

Please reach out to our security team at security@belvo.com should you have any questions or require any clarifications.

Section Heading	Control Heading	CAIQ ID	Question Text	Answer	Notes/Comment
Application & Interface Security	Application Security	AIS-01.2	Do you use an automated source code analysis tool to detect security defects in code prior to production?	Yes	We use automation to detect common vulnerabilities, both in our software and in the dependencies that wwe use
		AIS-01.5	(SaaS only) Do you review your applications for security vulnerabilities and address any issues prior to deployment to production?	Yes	Source code is automatically scanned and peer reviewed for security vulnerability, and all security defects are addressed with the highest criticality
	Customer Access Requirements	AIS-02.1	Are all identified security, contractual, and regulatory requirements for customer access contractually addressed and remediated prior to granting customers access to data, assets, and information systems?	Yes
	Data Integrity	AIS-03.1	Does your data management policies and procedures require audits to verify data input and output integrity routines?	Yes	Belvo is built and audited through mandatory peer reviews, extensive end-to-end tests and frequent penetration testing. We have strong backup solutions and data schema migrations are source-code controlled.
Audit Assurance & Compliance	Independent Audits	AAC-02.1	Do you allow tenants to view your SOC2/ISO 27001 or similar third-party audit or certification reports?	Yes	We are currently in the process of becoming ISO 27001 compliant collaborating with Vanta, our ISO compliance consultancy partner. We can provide access to: – Letter of engagement with ISO compliance consultancy partner (available upon request) – Access to our penetration test results and letter of attestation (available upon request)
		AAC-02.2	Do you conduct network penetration tests of your cloud service infrastructure at least annually?	Yes	Yes, we actually perform penetration tests on a quarterly basis with external 3rd-party security firms. Letters of attestations are available upon request.
		AAC-02.3	Do you conduct application penetration tests of your cloud infrastructure regularly as prescribed by industry best practices and guidance?	Yes	Yes, we actually perform penetration tests on a quarterly basis with external 3rd-party security firms. Letters of attestations are available upon request.
	Information System Regulatory Mapping	AAC-03.1	Do you have a program in place that includes the ability to monitor changes to the regulatory requirements in relevant jurisdictions, adjust your security program for changes to legal requirements, and ensure compliance with relevant regulatory requirements?	Yes	We have an internal compliance and regulatory team that reviews the regulatory landscape on a continous basis and updates our internal policies & documentation as a result.
Business Continuity Management & Operational Resilience	Business Continuity Testing	BCR-02.1	Are business continuity plans subject to testing at planned intervals or upon significant organizational or environmental changes to ensure continuing effectiveness?	Yes	Together with our security, compliance and regulatory teams, we review and update our business continuity plan at least once per year or upon significant organizational and environmental changes.
	Policy	BCR-10.1	Are policies and procedures established and made available for all personnel to adequately support services operations’ roles?	Yes
	Retention Policy	BCR-11.1	Do you have technical capabilities to enforce tenant data retention policies?	Yes	Our applications and our platform are built entirely in-house and we have the capabilities to enforce any policy we desire.
		BCR-11.3	Have you implemented backup or recovery mechanisms to ensure compliance with regulatory, statutory, contractual or business requirements?	Yes
		BCR-11.7	Do you test your backup or redundancy mechanisms at least annually?	Yes
Change Control & Configuration Management	Unauthorized Software Installations	CCC-04.1	Do you have controls in place to restrict and monitor the installation of unauthorized software onto your systems?	Yes
Data Security & Information Lifecycle Management	E-commerce Transactions	DSI-03.1	Do you provide standardized (e.g. ISO/IEC) non-proprietary encryption algorithms (3DES, AES, etc.) to tenants in order for them to protect their data if it is required to move through public networks (e.g., the Internet)?	Yes	Our TLS implementation is robust, scoring a A+ SSL score using Qualys SSL Tester: https://www.ssllabs.com/ssltest/analyze.html?d=api.belvo.com&latest We have an acceptable encryption policy that establishes our encryption standards. We generally follow NIST best practice.
		DSI-03.2	Do you utilize open encryption methodologies any time your infrastructure components need to communicate with each other via public networks (e.g., Internet-based replication of data from one environment to another)?	Yes	We use strong encryption anytime we have in-flight data passing through public networks
	Nonproduction Data	DSI-05.1	Do you have procedures in place to ensure production data shall not be replicated or used in non-production environments?	Yes	Our production AWS account is segregated and not connected to any other AWS accounts.
	Secure Disposal	DSI-07.1	Do you support the secure deletion (e.g., degaussing/cryptographic wiping) of archived and backed-up data?	Yes	This is achieved by encrypting the customer data with its own and different key per customer. Once the key is deleted, data is deleted and if by any means was recovered, would not be possible to decrypt the data blocks. See also the “encryption_key” parameter available at https://docs.belvo.com
		DSI-07.2	Can you provide a published procedure for exiting the service arrangement, including assurance to sanitize all computing resources of tenant data once a customer has exited your environment or has vacated a resource?	Yes	Service and contractual arrangements are managed by our sales, onboarding and integration teams. The offboarding procedure includes the decomissioning and sanitization of any customer-related resources.
Datacenter Security	Asset Management	DCS-01.2	Do you maintain a complete inventory of all of your critical assets located at all sites/ or geographical locations and their assigned ownership?	Yes
	Controlled Access Points	DCS-02.1	Are physical security perimeters (e.g., fences, walls, barriers, guards, gates, electronic surveillance, physical authentication mechanisms, reception desks, and security patrols) implemented for all areas housing sensitive data and information systems?	Yes	We host our infrastructure, sensitive data and information systems on AWS, which is a top-tier datacenter and infrastructure provider complying with all major regulations.
	User Access	DCS-09.1	Do you restrict physical access to information assets and functions by users and support personnel?	Yes
Encryption & Key Management	Key Generation	EKM-02.1	Do you have a capability to allow creation of unique encryption keys per tenant?	Yes	Belvo offers the ability to provide customer-specific encryption keys. See also the “encryption_key” parameter available at https://docs.belvo.com
	Encryption	EKM-03.1	Do you encrypt tenant data at rest (on disk/storage) within your environment?	Yes	AES encryption is performed both by our application layer, as well as by our AWS database storage layer.
Governance and Risk Management	Baseline Requirements	GRM-01.1	Do you have documented information security baselines for every component of your infrastructure (e.g., hypervisors, operating systems, routers, DNS servers, etc.)?	Yes	All of our infrastructure relies on Terraform configurations and is described in code
	Policy	GRM-06.1	Are your information security policies and procedures made available to all impacted personnel and business partners, authorized by accountable business role/function and supported by the information security management program as per industry best practices (e.g. ISO 27001, SOC 2)?	Yes
	Policy Enforcement	GRM-07.1	Is a formal disciplinary or sanction policy established for employees who have violated security policies and procedures?	Yes	Yes. These sactions can be enforced as part of our employment agreements.
	Policy Reviews	GRM-09.1	Do you notify your tenant’s when you make material changes to your information security and/or privacy policies?	Yes
		GRM-09.2	Do you perform, at minimum, annual reviews to your privacy and security policies?	Yes
Human Resources	Asset Returns	HRS-01.1	Upon termination of contract or business relationship, are employees and business partners adequately informed of their obligations for returning organizationally-owned assets?	Yes	Yes. For employees, this information are also included in our employment agreements.
	Background Screening	HRS-02.1	Pursuant to local laws, regulations, ethics, and contractual constraints, are all employment candidates, contractors, and involved third parties subject to background verification?	No	We perform reference checks for sensitive hires
	Employment Agreements	HRS-03.1	Do your employment agreements incorporate provisions and/or terms in adherence to established information governance and security policies?	Yes
	Employment Termination	HRS-04.1	Are documented policies, procedures, and guidelines in place to govern change in employment and/or termination?	Yes
	Training / Awareness	HRS-09.5	Are personnel trained and provided with awareness programs at least once a year?	Yes	Our onboarding process includes an infosec awarness session. We have a strong engineering culture that brings security in many daily conversations. We also execute periodic training refreshes.
Identity & Access Management	Audit Tools Access	IAM-01.1	Do you restrict, log, and monitor access to your information security management systems (e.g., hypervisors, firewalls, vulnerability scanners, network sniffers, APIs, etc.)?	Yes	We have various measures in place, including: – Firewalls – Web Application Firewalls – VPN-only access – AWS security groups and ACLs
		IAM-01.2	Do you monitor and log privileged access (e.g., administrator level) to information security management systems?	Yes
	User Access Policy	IAM-02.1	Do you have controls in place ensuring timely removal of systems access that is no longer required for business purposes?	Yes	Most of our systems use SSO, which makes it easy to remove access in one single place. We also have an offboarding procedure.
	Policies and Procedures	IAM-04.1	Do you manage and store the identity of all personnel who have access to the IT infrastructure, including their level of access?	Yes
	Source Code Access Restriction	IAM-06.1	Are controls in place to prevent unauthorized access to your application, program, or object source code, and assure it is restricted to authorized personnel only?	Yes	We use GitHub, which is restricted to software developers only, and access requires 2FA authentication
		IAM-06.2	Are controls in place to prevent unauthorized access to tenant application, program, or object source code, and assure it is restricted to authorized personnel only?	Not Applicable
	User Access Restriction / Authorization	IAM-08.1	Do you document how you grant, approve and enforce access restrictions to tenant/customer credentials following the rules of least privilege?	Yes	We have a special encrypted credentials vault whose access is only given by the company’s executives to select personnel.
	User Access Reviews	IAM-10.1	Do you require a periodical authorization and validation (e.g. at least annually) of the entitlements for all system users and administrators (exclusive of users maintained by your tenants), based on the rule of least privilege, by business leadership or other accountable business role or function?	Yes
	User Access Revocation	IAM-11.1	Is timely deprovisioning, revocation, or modification of user access to the organizations systems, information assets, and data implemented upon any change in status of employees, contractors, customers, business partners, or involved third parties?	Yes
Infrastructure & Virtualization Security	Audit Logging / Intrusion Detection	IVS-01.1	Are file integrity (host) and network intrusion detection (IDS) tools implemented to help facilitate timely detection, investigation by root cause analysis, and response to incidents?	Yes
		IVS-01.2	Is physical and logical user access to audit logs restricted to authorized personnel?	Yes
		IVS-01.5	Are audit logs reviewed on a regular basis for security events (e.g., with automated tools)?	Yes
	Clock Synchronization	IVS-03.1	Do you use a synchronized time-service protocol (e.g., NTP) to ensure all systems have a common time reference?	Yes
	OS Hardening and Base Controls	IVS-07.1	Are operating systems hardened to provide only the necessary ports, protocols, and services to meet business needs using technical controls (e.g., antivirus, file integrity monitoring, and logging) as part of their baseline build standard or template?	Yes
	Production / Non-Production Environments	IVS-08.1	For your SaaS or PaaS offering, do you provide tenants with separate environments for production and test processes?	Yes
		IVS-08.3	Do you logically and physically segregate production and non-production environments?	Yes	We segregate in separate AWS accounts with no cross-account connectivity
	Segmentation	IVS-09.1	Are system and network environments protected by a firewall or virtual firewall to ensure business and customer security requirements?	Yes	We protect our systems by AWS virtual firewalls, as well as a Web Application Firewall
	VMM Security – Hypervisor Hardening	IVS-11.1	Do you restrict personnel access to all hypervisor management functions or administrative consoles for systems hosting virtualized systems based on the principle of least privilege and supported through technical controls (e.g., two-factor authentication, audit trails, IP address filtering, firewalls and TLS-encapsulated communications to the administrative consoles)?	Yes	Access to infrastructure is restricted to authorized engineers only using IAM, MFA and TLS.
	Wireless Security	IVS-12.1	Are policies and procedures established and mechanisms configured and implemented to protect the wireless network environment perimeter and to restrict unauthorized wireless traffic?	Yes	Belvo is a remote-first company. Our offices do offer Wifi acces, which is protected against unauthorized traffic, however the local network itself doesn’t host any data. All the services we rely on are protected by strong HTTPs encryption.
		IVS-12.2	Are policies and procedures established and mechanisms implemented to ensure wireless security settings are enabled with strong encryption for authentication and transmission, replacing vendor default settings (e.g., encryption keys, passwords, SNMP community strings)?	Yes
		IVS-12.3	Are policies and procedures established and mechanisms implemented to protect wireless network environments and detect the presence of unauthorized (rogue) network devices for a timely disconnect from the network?	Not Applicable	Belvo is a remote-first company. Our offices do offer Wifi acces, which is protected against unauthorized traffic, however the local network itself doesn’t host any data. All the services we rely on are protected by strong HTTPs encryption.
Interoperability & Portability	APIs	IPY-01.1	Do you publish a list of all APIs available in the service and indicate which are standard and which are customized?	Yes	Yes – please find our documentation at https://developers.belvo.com
Mobile Security	Approved Applications	MOS-03.1	Do you have a policy enforcement capability (e.g., XACML) to ensure that only approved applications and those from approved application stores can be loaded onto a mobile device?	No
Security Incident Management, E-Discovery, & Cloud Forensics	Incident Management	SEF-02.1	Do you have a documented security incident response plan?	Yes	We have a written policy and procedures covering our security incident response plan
		SEF-02.4	Have you tested your security incident response plans in the last year?	Yes
	Incident Reporting	SEF-03.1	Are workforce personnel and external business relationships adequately informed of their responsibility, and, if required, consent and/or contractually required to report all information security events in a timely manner?	Yes	Yes, per our information security policies / incident response policies and procedures
		SEF-03.2	Do you have predefined communication channels for workforce personnel and external business partners to report incidents in a timely manner adhering to applicable legal, statutory, or regulatory compliance obligations?	Yes
	Incident Response Legal Preparation	SEF-04.4	Do you enforce and attest to tenant data separation when producing data in response to legal subpoenas?	Yes
Supply Chain Management, Transparency, and Accountability	Incident Reporting	STA-02.1	Do you make security incident information available to all affected customers and providers periodically through electronic methods (e.g., portals)?	Yes
	Network / Infrastructure Services	STA-03.1	Do you collect capacity and use data for all relevant components of your cloud service offering?	Yes
	Third Party Agreements	STA-05.4	Do third-party agreements include provision for the security and protection of information and assets?	Yes	All new third party agreements are reviewed by our legal team for such provisions
		STA-05.5	Do you have the capability to recover data for a specific customer in the case of a failure or data loss?	Yes
	Supply Chain Metrics	STA-07.4	Do you provide tenants with ongoing visibility and reporting of your operational Service Level Agreement (SLA) performance?	Yes	Yes – see also https://status.belvo.com
	Third Party Audits	STA-09.1	Do you mandate annual information security reviews and audits of your third party providers to ensure that all agreed upon security requirements are met?	No	We are not currently doing this. However, our sensitive providers are exclusively well reputed companies in the information security space: Amazon Web Services, Google, Datadog, Wallarm.
Threat and Vulnerability Management	Antivirus / Malicious Software	TVM-01.1	Do you have anti-malware programs that support or connect to your cloud service offerings installed on all of your IT infrastructure network and systems components?	Yes
	Vulnerability / Patch Management	TVM-02.5	Do you have a capability to patch vulnerabilities across all of your computing devices, applications, and systems?	Yes
	Mobile Code	TVM-03.1	Is mobile code authorized before its installation and use, and the code configuration checked, to ensure that the authorized mobile code operates according to a clearly defined security policy?	Yes